| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | HEALTH RESOURCES, INC. | $9K | $0 | $9K | 10.00% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5K | $6K | 19.27% |
| DEBORAH PHELPS3 Filed as: DEBORAH C PHELPS | PO BOX 30228 INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.94% |
| KAMI L STANLEY3 | 4520 S 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $162 | $427 | 1.29% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $9 | $391 | 1.18% |
| DAVID HAMPTON3 | 4910 W ARLINGTON PARK BLVD FT WAYNE, IN 46385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $27 | $365 | 1.10% |
| JUDITH H SKARBECK3 Filed as: JUDITH H. SKARBECK | 420 W SPRING MILL LANE INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $0 | $356 | 1.08% |
| BRANDON TYLER LYNN3 | 7532 JENISON DRIVE INDIANAPOLIS, IN 46217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $13 | $291 | 0.88% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $0 | $279 | 0.84% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $3 | $196 | 0.59% |
| JEREMY SAMPSEL3 | 3030 S 9TH STREET KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $79 | $138 | 0.42% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $10 | $51 | 0.15% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS INC | 4533 FOX RUN ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.14% |
| JOSEPH M CUTTER3 | 5840 ARAPAHO COURT ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.06% |
| VOLUNTARY BENEFIT PLANS LLC3 | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 8490 MALLARD CT PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| RICHARD CLOSE3 | 4303 TRUEMAN BLVD. HILLIARD, OH 43026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| GROUP ALTERNATIVES INC3 | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMAPNY | $5K | $0 | $5K | 15.00% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | EYEMED | $1K | $0 | $1K | 8.96% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE, SUITE 830 DOWNERS GROUP, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $299 | $0 | $299 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 118 | $88K |
| Vision(2 contracts, 2 carriers) | EYEMED | 229 | $18K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMAPNY | 173 | $47K |
| Short-term disability | UNITED OF OMAHJA LIFE INSURANCE COMPANY | 171 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $3K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 173 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.